Cheapest Auto Insurance in Paducah, Kentucky (2024)
Auto-Owners offers the cheapest liability coverage in Paducah, at $61 per month.
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3+ years writing about auto, home, and life insurance
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Edited byKatie Powers
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Licensed auto and home insurance agent
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Updated October 30, 2024
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Table of contents
Paducah residents pay $239 per month for car insurance, which exceeds the overall national average of $158 and the state average of $250.
Kentucky is a no-fault state that requires drivers to purchase personal injury protection (PIP), which can lead to increased costs.[1] Plus, Kentuckians drive more miles per vehicle than any other state, according to Federal Highway Administration data.[2]
Here’s what you need to know about finding cheap coverage in Paducah.
Quick Facts
Paducah drivers pay $171 per month for liability coverage and $306 for full-coverage insurance, on average.
Auto-Owners, State Farm, and GEICO offer the cheapest auto coverage in Paducah.
The main penalty for driving without insurance in Kentucky is vehicle registration revocation, but you can face a fine between $500 and $1,000 and up to 90 days in jail.[3]
Cheapest car insurance companies in Paducah
You can find several options for cheap car insurance in Paducah. To find the best deal, consider your driving situation, personal insurance needs, and overall financial status. You should always compare quotes and coverages to determine what company works best for you.
Start your search below with three of the top car insurance companies in Paducah.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $104 | $59 | Cheap rates |
| GEICO | 9.0 | $123 | $69 | Young drivers |
| State Farm | 9.3 | $109 | $61 | Post-accident resources |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you need liability-only car insurance in the western Kentucky city of Paducah, Auto-Owners is your best coverage option. The company offers the cheapest rates in the city for liability insurance on average. In addition to standard coverage options, you can also add policies for roadside service and accident forgiveness from Auto-Owners to cover issues on the road.
Pros
Accident forgiveness coverage available
AM Best financial strength rating of A++ (Superior)
Cons
No local insurance agents in Paducah
Accident forgiveness qualification requirement of three years claims-free
Best insurer for young drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
More than 272,000 drivers younger than 25 live in the Bluegrass State. Because young drivers face high rates, finding affordable insurance is crucial.
GEICO, which is one of the cheapest car insurance companies in Paducah, is a worthwhile option for young drivers in Paducah. The company offers discounts for achieving good grades and insuring multiple vehicles.
Pros
Savings of up to 15% possible via good student discount
Smooth transfer for minors to their own policy if needed
Cons
No local insurance agent in Paducah
Doesn’t offer rideshare insurance
Best insurer for post-accident resources: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In 2022, Paducah had 1,821 reported car collisions. In the event of a collision, State Farm offers coverages you may want to consider in the event of a collision. You can add after-accident protection with roadside assistance and rental car reimbursement coverage. State Farm has customizable coverage options and 10 advertised discounts.
Pros
Above-average J.D. Power customer satisfaction rating in the Southeast region
Nine local insurance agents in Paducah
Cons
Doesn’t offer gap insurance
Fewer available discounts than some insurers
How to get the cheapest car insurance in Paducah
Car insurance companies consider different factors to decide your insurance rates. Your age, driving record, vehicle, and even the ZIP code where you park your car are all common variables.
Paducah’s higher rates exceed the national average, but you can use a few tricks to find the cheapest car insurance policies for your insurance needs:
Shop around. Get online quotes from at least three different companies.
Bundle your coverage. Combine insurance products for discounts, like auto insurance with life and home insurance.
Drive safely. A clean driving record can save you money on premiums.
Set a higher deductible. A higher deductible can reduce costs. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
Ask about discounts. Earning good grades, completing an approved driving course, or having a certain membership can lead to savings.
Find Cheap Car Insurance in Paducah, Kentucky
Liability quotes start at $61 per month
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Cheapest liability-only car insurance in Paducah: Auto-Owners
Liability-only car insurance is basic coverage that pays for damages you might cause others in an accident. It acts as a safety net for the other driver’s medical bills but won’t cover your medical expenses or vehicle repairs.
Auto-Owners offers the cheapest liability-only insurance in Paducah, at $61 per month.
Here are the cheapest average quotes for liability-only insurance coverage in Paducah.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $61 |
| State Farm | $64 |
| GEICO | $73 |
| National General | $76 |
| USAA | $79 |
| Safeco | $89 |
| Allstate | $93 |
| State Auto | $94 |
| Travelers | $103 |
| Progressive | $105 |
| Clearcover | $114 |
| Liberty Mutual | $117 |
| Midvale Home & Auto | $119 |
| Nationwide | $136 |
| CSAA | $151 |
| Shelter | $166 |
| Bristol West | $177 |
| The General | $249 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Paducah: Auto-Owners
Liability insurance only covers damages you cause to others, but full-coverage policies extend coverage to your car following accidents, theft, or weather damage. Purchasing full coverage is a smart choice if you have a newer car, lease or finance your vehicle, or just want more protection.
Quotes for full-coverage insurance start at $64 per month from Auto-Owners. Check out the table below to see the prices Paducah insurers have to offer.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $99 |
| State Farm | $103 |
| GEICO | $117 |
| National General | $118 |
| USAA | $127 |
| Safeco | $144 |
| Allstate | $150 |
| State Auto | $165 |
| Travelers | $167 |
| Progressive | $169 |
| Clearcover | $192 |
| Midvale Home & Auto | $197 |
| Nationwide | $219 |
| Liberty Mutual | $224 |
| CSAA | $227 |
| Shelter | $269 |
| Bristol West | $356 |
| The General | $411 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Paducah, Kentucky
Drivers using Insurify have found quotes as cheap as $63/mo for liability only and $100/mo for full coverage in Paducah and other Kentucky cities.
*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Paducah, Kentucky within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
Kentucky drivers must carry the state’s minimum liability coverage and personal injury protection (PIP) insurance. However, you can opt to buy a single insurance policy that covers everything up to $60,000 if you prefer a simpler solution.
Either way, maintaining car insurance is important. The Kentucky Insurance System has access to verify your insurance status and will cancel your vehicle registration if you have a lapse in required insurance.[4]
These are the state’s minimum insurance requirements you must meet:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 per accident |
Purchasing additional coverage options can increase your vehicle protection. Here are several common insurance add-ons to consider:
Collision coverage
Collision coverage pays for car damages from accidents with vehicles or objects.
Comprehensive coverage
Comprehensive coverage protects against non-collision damages, like theft or natural disasters.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay for damage and injury if the other driver lacks sufficient insurance.
Rental reimbursement
Rental reimbursement pays for a rental if your car needs repairs.
Towing and roadside coverage
Towing and roadside coverage provides roadside service during breakdowns, flat tires, and more.
Gap insurance
Gap insurance covers the “gap” if you owe more than your totaled car’s value.
Cheapest car insurance for drivers with an incident
Auto incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI) charges, and other moving violations. Having incidents on your record can increase your insurance rates because companies see you as a high-risk driver. Drivers with clean records pay the lowest car insurance rates on average.
If you’ve had an accident or speeding ticket in the past, companies worry you might have one again in the future. On average, Paducah drivers with a past incident pay $310 per month for car insurance.
Here’s a look at different insurance costs for Paducah drivers with various incidents.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $61 | $78 | $81 | $99 |
| State Farm | $64 | $81 | $84 | $104 |
| GEICO | $73 | $93 | $97 | $119 |
| National General | $76 | $97 | $102 | $123 |
| USAA | $79 | $100 | $105 | $128 |
| Safeco | $89 | $115 | $116 | $145 |
| Allstate | $93 | $118 | $124 | $151 |
| State Auto | $94 | $130 | $137 | $153 |
| Travelers | $103 | $132 | $138 | $167 |
| Progressive | $105 | $133 | $141 | $171 |
| Clearcover | $114 | $147 | $163 | $185 |
| Liberty Mutual | $117 | $161 | $167 | $190 |
| Nationwide | $136 | $175 | $182 | $221 |
| CSAA | $151 | $196 | $209 | $245 |
| Shelter | $166 | $220 | $230 | $270 |
| Bristol West | $177 | $225 | $234 | $288 |
| The General | $249 | $321 | $336 | $405 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age can influence how much you pay for car insurance. Teens usually pay the most because new drivers are more prone to making mistakes. Once you hit age 35, rates typically drop since you have more driving experience.
Drivers of retirement age typically earn the best auto insurance rates. However, accident risk increases for senior drivers age 70 and older, which leads to higher insurance rates.
The table below has the average costs for car insurance by age group in Paducah.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $507 |
| 20s | $332 |
| 30s | $240 |
| 40s | $228 |
| 50s | $215 |
| 60s | $207 |
| 70s | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Paducah, KY
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Paducah car insurance quotes by credit tier
Kentucky insurance companies can review credit scores when deciding to offer or renew a policy, but insurers can’t decide not to renew coverage solely because someone has poor credit.[5]
Your credit score can influence how much you pay, and drivers with good or excellent credit typically pay less for coverage than people with poor scores.
Here are the average full-coverage insurance rates for Paducah drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Paducah car insurance FAQs
Before you start shopping around for insurance, you should determine the right coverage amount for your needs. The following information should answer your remaining questions about buying car insurance in Paducah.
How much is car insurance in Paducah?
The average overall cost of car insurance in Paducah is $239 per month. Paducah drivers pay an average of $171 per month for liability coverage and $306 for full-coverage insurance.
Which company has the cheapest car insurance in Paducah?
Auto-Owners offers the cheapest liability coverage in Paducah, at $61 per month. State Farm is the second-cheapest insurer in the city, with a rate of $64 for liability coverage. The third-cheapest company is GEICO, which has a liability coverage rate of $73 per month.
The best way to find cheap coverage is to compare multiple quotes from various companies. You should also always inquire about discounts for bundling your auto and homeowners insurance, driving safely, completing a defensive driving course, and more.
What are the best car insurance companies in Paducah?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and cheap average rates in Paducah, State Farm is the best car insurance company in Paducah. On average, Kentucky drivers with coverage from State Farm pay $61 per month for liability coverage and $109 for full coverage.
Two of Paducah’s other best companies include Auto-Owners and GEICO.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Kentucky
Sources
- NOLO. "Kentucky No-Fault Car Insurance."
- U.S. Department of Transportation Federal Highway Administration. "State & Urbanized Area Statistics."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Kentucky Transportation Cabinet. "Vehicle Liability Insurance Verification."
- Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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